Retirement has always been a concern of those who work, but over time it has undergone significant change. Our grandparents, our parents, us and our children will certainly have different notions and plans about retirement. Learn how to make a plan adapted to the 21st century. Planning for retirement is very important. When we consider the logics and constraints of the international economy today, we understand that the guarantees for the future may not be as concrete as they were for past generations.
Life in the digital age offers new dynamics that place the question of retirement on the horizons of all workers, including the young. Today, in fact, thinking about retirement is no longer just about old age or physical weakness, but also about other aspects, such as how one wishes to live life. Indeed, while for many people retirement is still related to the contingencies for a stable future, for others retirement seems to correspond to an opportunity to live to the full offers of the new century.Thus, and knowing that there are different meanings of what retirement is and should be, it becomes very important to understand how to make a plan adapted to the 21st century, which will allow us to fulfill our personal objectives and structure a retirement according to our measure.
Stipulate the age of retirementInthe time of our grandparents and even our parents, retirement was not much questioned. For most people, this was a goal for the elderly or came from some kind of health problem or physical weakness that prevented work. In the 21st century, this has changed, people see retirement as a way of living life from a certain moment, which may be later or more immediate.
Movements like this arise - where we find young people trying to earn, in the shortest possible period of time, economic means that will allow them to take early retirement, so that they can take fuller advantage of the offers of the new world. Thus, for a retirement plan to be made, it is necessary to keep in mind the age with which you want to retire, so that you can structure your working life according to your goals.
Define your retirement lifestyleClearthat it will not only be the retirement age that defines how much money you need for this stage of life. The lifestyle you will maintain will also mean that you need more or less financial stability when you retire. It will be very different how much money you have to raise for someone who wants to maintain their lifestyle or for someone who wants to live in a more unusual and luxurious way. Even so, in both cases, any unforeseen circumstances that may arise must be considered.
Preparing for the unforeseen Theunforeseen can be of various kinds: an unexpected health problem, a sudden change in the economy or simply inflation can suddenly change the value it needs to maintain financial equilibrium.
It is therefore essential to consider the unforeseen when planning retirement in the 21st century.